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Leite B: The Retirement Black Box

The Retirement Black Box

Decoding the Hidden Architecture of Target-Date Funds

If you want to know more about living trusts, this book is here to help. Make Your Living Trust gives you straightforward and easy-to-understand information about how living trusts: <ul> <li>compare to wills</li> <li>pass property to beneficiaries without probate</li> <li>provide for minor children, and</li> <li>help protect against unexpected incapacity.</li> </ul> You might have heard about living trusts and have a general sense that you should make one. But if you're like most people, you're not exactly sure why or how to do it. If this sounds like you, Make Your Living Trust provides the information and support you need to make informed estate planning decisions. For many people, living trusts are a useful tool to keep their property out of probate. This makes a lot of sense because probate often makes the process of wrapping up an estate more complicated and expensive than it needs to be. And there are other reasons to make a living trust -- a living trust allows you to authorize someone to take care of your property in case of incapacity, and (unlike wills) living trusts keep your personal business private. That said, not everyone needs a living trust. Many people need only a will and a durable power of attorney. Others might use those in conjunction with pay-on-death accounts or transfer-on-death deeds. Compared to other estate planning tools, living trusts can be more expensive to create and more complicated to live with. So, you don't want to go through the trouble and expense of making one if you don't need to. Make Your Living Trust helps you think through these and many other trust-related issues. For example, it helps you weigh the pros and cons of making a living trust yourself versus having an attorney draw one up. It also covers questions that might come up as you make a living trust (with or without a lawyer), like: <ul> <li>What types of property work well in a living trust?</li> <li>Can you and your spouse make a living trust together?</li> <li>What is the role of a successor trustee?</li> <li>Who decides when minor children receive their inheritance?</li> <li>How do you transfer property into your living trust?</li> <li>What makes a living trust legal?</li> <li>Where should you store your living trust?</li> <li>Do you have to register your trust or share it with your family?</li> <li>What other estate planning documents might you need?</li> </ul> Make Your Living Trust can help with all of this and more. It will be your steady companion as you learn about wills and trusts and start to craft your estate plan.

Make Your Living Trust

Intelligent Management discusses the core principles of intelligent management, including AI-enabled decision-making, ethics in AI management, the impact of big data, and applications in various business areas such as crisis management, sustainability, and supply chain optimisation. Key chapters explore human-machine collaboration, ethical considerations in AI adoption, and leadership evolution in the era of intelligent management. Intelligent Management fill a critical gap in the literature by providing a structured approach to integrating intelligent technologies into management practices. By addressing real-world challenges and applications, they serves as a valuable resource for academics, practitioners, and students in management, technology, and business analytics. Emerald Studies in Neuro-Decision Making for Risk Analysis explores multidisciplinary subjects in depth, offering a thorough grasp of decision-making across many situations by combining ideas from economics, psychology, and neuroscience in the field of Behavioural Economics and Decision Science.

Ai, Data-Driven Decision Making, and Business Optimisation

Intelligent Management

Human Exceptionality: School, Community, and Family

Too many leaders are burning out--and taking their teams with them. Despite good intentions, many organizations still push harder, demand more, and equate long hours with high performance. The result? Talented people walk away from work they once loved, while leaders feel stuck between delivering results at any cost or failing altogether. Longevity Leadership challenges that paradigm. Drawing on neuroscience, behavioral science, and years of experience in organizational change, Jessica Billiet offers a new model for leadership--one that recognizes performance and well-being are not in conflict but deeply connected. When leaders understand how the brain responds to stress, motivation, and habit, they can create environments where people are energized, innovative, and resilient--without sacrificing results. This book explores the small, often overlooked choices leaders make every day: how they respond to pressure, how they communicate during uncertainty, and how they shape team habits and rhythms. Readers will learn practical, science-backed strategies for reducing burnout, leading through resistance, and building sustainable performance across their teams and organizations. At its core, Longevity Leadership is a call for systemic change. It's about equipping leaders at every level with tools to achieve results without destroying the people who deliver them. Inspiring and deeply practical, this book shows that when leaders honor both performance and mental health, everyone wins.

Longevity Leadership: Building Sustainable Performance Through Science-Backed Strategies

Organizations rise and fall not on talent, but on systems. In an ever-accelerating world, most people try to cope with stressful situations by working harder, reacting faster, or hoping for the best. But what you need when you're feeling overwhelmed isn't a white-knuckle effort; it's a better system.Built Bulletproof offers a universal preparation framework for handling whatever situation life might throw at you. Field-tested by Raytown, MO Chief of Police Robert J. Kuehl with over a forty-year law enforcement and leadership career, currently serving as a Chief of Police, this paradigm has been proven at the command level in crisis situations, the corporate environment, the military and everyday life. It will transform your approach to risk, decision-making, and accountability to move you out of chaos and into clarity.You'll learn to separate the truly important from the merely urgent, to build processes that won't buckle under pressure, and to create a continuity of operations for yourself, your family, your team, and your organization. This isn't a theory--it's a system practical in any situation from leading a city through crisis to teaching a teenager to drive. Built Bulletproof is your roadmap to calm, confident leadership, professionally and personally, teaching you how to: - find focus in complex situations - make better decisions under pressure - structure accountability without building a culture of fear - replace high-pressure drilling with low-stakes practice.If you're responsible for people, resources, or outcomes in government, public safety, business, education, or the military, read Built Bulletproof to prepare for times when effective leadership matters most.

Strategies for Calm, Clarity, and Control in Decision-Making

Built Bulletproof

A Practitioner's Guide to Building Data-Driven Business Cases

Investing in Health

Essential rental forms, including a legally-compliant lease that you can tailor to your state's laws and your business's needs. Small residential landlords face the choice of hiring expensive lawyers to write leases and forms, or buying generic forms online. Here is an alternative: A lease and associated forms that, when used in conjunction with the law charts in the back of the book, result in leases and agreements that will pass legal muster. Don't guess at the law--use Nolo's resources to get it right.

Leases & Rental Agreements

The Change Most Companies Get Wrong Most change efforts fail for the same reason. Leaders pour their energy into the process and overlook the people who have to carry it out. New software gets installed and new workflows get drawn up, and within weeks the team drifts back to the old way of doing things. Allan Breidenbach spent more than a decade building a better way. As president of a seventy-year-old, employee-owned manufacturer, he created the RATCHET-UP system, a nine-step method that puts people at the center of every change. In RATCHET-UP, you will learn how to: <ul> <li>Earn the standing and trust that make real change possible</li> <li>Get a team genuinely aligned instead of just nodding along</li> <li>Recognize where technology helps and where it only adds friction</li> <li>Spot and address the people quietly undermining progress</li> <li>Measure profit in more than dollars</li> </ul> Filled with real stories from the shop floor and free of consultant jargon, this book gives leaders in any industry a clear, practical way to make change that lasts.

Solving the Human Problems Behind Business Performance

Ratchet-Up

You care for everyone else. Now it is time to build a financial future that cares for you.In The Nurse Who Invests, nurse practitioner Ellaine Maala shares the mindset shifts and practical strategies that helped her stop depending on overtime, double her hourly rate, and save her first $100,000 in less than three years.Inside, you will learn how to: - Replace scarcity thinking with a more intentional relationship with money- Increase your nursing income through strategic job changes, shift differentials, certifications, and negotiation- Use the 3x12 schedule to create more options without sacrificing every day off- Start investing through accounts such as a 401(k), Roth IRA, and HSA- Automate saving and investing so progress continues even during demanding weeks- Work toward Coast FI--the point when you can keep nursing because you choose to, not because financial pressure leaves you no choiceEach chapter combines Ellaine's personal experience with a clear next step you can take in the real world. Her approach is built for the realities of nursing: long shifts, burnout, variable schedules, and a profession that can provide a solid income without automatically creating lasting wealth.Whether you are a new graduate, an experienced RN, a nurse practitioner, or another healthcare professional ready to make your money work harder, this book offers an encouraging and actionable path from feeling behind to investing with confidence and purpose.

The Financial Freedom Playbook for Nurses Who Want More Than Just a Paycheck

The Nurse Who Invests

What it takes to sustain leadership successAt some point in every senior leader's career, the skills that built success stop being enough to sustain it. The work accumulates, the stakes rise, and the gap between performing well and breaking down narrows. Most leadership books train skills at the surface. Conditioned is about what sits underneath them.An athlete trains, competes, and recovers on a schedule with an off-season built in. Leadership has no off-season, and almost no one is conditioned for that. Allen Weaver brings more than twenty years in sport psychology, executive coaching, and Fortune 100 human resources to a consistent observation: the leaders who last are not the ones with the most refined skills, but the ones who built the conditioning that supports them.Conditioned maps that conditioning through the Peak System. Two anchors, Mental Performance (how leaders show up) and Wellness (how they sustain the ability to keep showing up), are expressed across ten dimensions of leadership readiness, each read on a simple three-state scale: Peak, Plateau, and Valley. The book closes with three disciplines for the long climb of a leadership career: Mastery, Future-Proofing, and Legacy.The stories come from boardrooms, locker rooms, and coaching environments: Mary Barra steadied General Motors in crisis, Lisa Su rebuilt AMD, and Rory McIlroy and LeBron James extended their peaks past the age when peaks are supposed to end. Weaver's own path runs from a marathon medical tent to the coaching practice it inspired. Conditioned is written for senior and mid-career leaders who have achieved success and now intend to sustain it.Peak is what can be reached. Plateau is where reliable performance lives. Valley is where the learning happens. The climb begins with conditioning.

How the Best Leaders Grind Less, Recover More, and Peak Longer

Conditioned

Saving Africa's Future

We Are the World

Navigating Ambiguity to Create L&amp;D Solutions
Being a learning designer means solving problems without a playbook. Sometimes you’re handed a vague request. Other times, you notice a performance gap, a broken workflow, or a missed opportunity and feel driven to create something new. But what if you’re not sure how to start, what to build, or whether it will even work?
Getting Unstuck in Learning Design is your practical guide for those gray areas where many learning designers stall. You will learn to navigate ambiguity and shift priorities seamlessly in your day-to-day learning design work. Expert learning experience designer Melissa Milloway leads you through how to:
<ul><li>Find your spark and turn it into momentum.</li>
<li>Identify the right problem.</li>
<li>Determine where to focus your time and energy.</li>
<li>Use iterative design to test ideas, build credibility, and earn buy-in over time.</li>
</ul>
Whether you’re stuck on a specific project, stuck in routines that no longer serve you, or stuck wondering how to grow in your role, Milloway offers methods to create clarity and momentum. This book will help you think and act like a designer—more curious, adaptive, and willing to move forward before all the details are clear.

How to Create Clarity and Move Work Forward

Getting Unstuck in Learning Design

The Retirement Black Box

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